NYC
American Strategic Investment Co.
REIT - Office
Market Cap$21M
5Y Perf.-90.7%
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Stock Comparison
NYC vs REFI
Revenue, margins, valuation, and 5-year total return — side by side.
REFI
Chicago Atlantic Real Estate Finance, Inc.
REIT - Mortgage
Market Cap$252M
5Y Perf.-28.2%
NYC vs REFI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NYC | REFI |
|---|---|---|
| Industry | REIT - Office | REIT - Mortgage |
| Market Cap | $21M | $252M |
| Revenue (TTM) | $43M | $60M |
| Net Income (TTM) | $-21M | $31M |
| Gross Margin | 19.7% | 93.9% |
| Operating Margin | -29.8% | 25.3% |
| Forward P/E | — | 6.5x |
| Total Debt | $350M | $98M |
| Cash & Equiv. | $1M | $15M |
NYC vs REFI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NYC
REFI
| Stock | Dec 21 | May 26 | Return |
|---|---|---|---|
| American Strategic … (NYC) | 100 | 9.3 | -90.7% |
| Chicago Atlantic Re… (REFI) | 100 | 71.8 | -28.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NYC vs REFI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: REFI leads in 6 of 6 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
NYC
American Strategic Investment Co.
The Real Estate Income Play
NYC is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta -0.25
- Lower volatility, beta -0.25, current ratio 7.98x
- Beta -0.25, current ratio 7.98x
Best for: income & stability and sleep-well-at-night
REFI
Chicago Atlantic Real Estate Finance, Inc.
The Real Estate Income Play
REFI carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 15.2%, EPS growth -10.6%, 3Y rev CAGR 8.9%
- 26.7% 10Y total return vs NYC's -93.9%
- 15.2% FFO/revenue growth vs NYC's -29.7%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | REFI | 15.2% FFO/revenue growth vs NYC's -29.7% |
| Quality / Margins | REFI | 51.8% margin vs NYC's -49.0% |
| Stability / Safety | REFI | Lower D/E ratio (32.0% vs 5.4%) |
| Dividends | REFI | 17.1% yield; the other pay no meaningful dividend |
| Momentum (1Y) | REFI | -6.8% vs NYC's -31.0% |
| Efficiency (ROA) | REFI | 0.0% ROA vs NYC's -4.6%, ROIC 6.9% vs -2.2% |
NYC vs REFI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2020
Segment breakdown not available.
NYC vs REFI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLREFILAGGINGNYC
NYCAmerican Strategic In…
1leads
REFIChicago Atlantic Real…
3leads
6 Total Categories
CATEGORYLEADERvs NYCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
REFI5/6
Valuation MetricsMultiples, price ratios, and targets
NYC3/3
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
REFI8/8
Total Returns1Y, 3Y, 5Y total returns with dividends
REFI6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
REFI leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
REFI and NYC operate at a comparable scale, with $60M and $43M in trailing revenue. REFI is the more profitable business, keeping 51.8% of every revenue dollar as net income compared to NYC's -49.0%. On growth, REFI holds the edge at +16.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | NYCAmerican Strategi… | REFIChicago Atlantic … |
|---|---|---|
| RevenueTrailing 12 months | $43M | $60M |
| EBITDAEarnings before interest/tax | -$94,000 | $15M |
| Net IncomeAfter-tax profit | -$21M | $31M |
| Free Cash FlowCash after capex | -$9M | $24M |
| Gross MarginGross profit ÷ Revenue | +19.7% | +93.9% |
| Operating MarginEBIT ÷ Revenue | -29.8% | +25.3% |
| Net MarginNet income ÷ Revenue | -49.0% | +51.8% |
| FCF MarginFCF ÷ Revenue | -19.7% | +40.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | -56.5% | +16.3% |
| EPS Growth (YoY)Latest quarter vs prior year | -0.8% | -51.1% |
REFI leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
NYC leads this category, winning 3 of 3 comparable metrics.
Valuation Metrics
| Metric | NYCAmerican Strategi… | REFIChicago Atlantic … |
|---|---|---|
| Market CapShares × price | $21M | $252M |
| Enterprise ValueMkt cap + debt − cash | $370M | $336M |
| Trailing P/EPrice ÷ TTM EPS | -0.95x | 7.12x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 6.50x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 9.32x |
| Price / SalesMarket cap ÷ Revenue | 0.49x | 4.00x |
| Price / BookPrice ÷ Book value/share | 0.31x | 0.83x |
| Price / FCFMarket cap ÷ FCF | — | 8.76x |
NYC leads this category, winning 3 of 3 comparable metrics.
Profitability & Efficiency
REFI leads this category, winning 8 of 8 comparable metrics.
Profitability & Efficiency
REFI delivers a 0.0% return on equity — every $100 of shareholder capital generates $0 in annual profit, vs $-34 for NYC. REFI carries lower financial leverage with a 0.32x debt-to-equity ratio, signaling a more conservative balance sheet compared to NYC's 5.40x.
| Metric | NYCAmerican Strategi… | REFIChicago Atlantic … |
|---|---|---|
| ROE (TTM)Return on equity | -34.1% | +0.0% |
| ROA (TTM)Return on assets | -4.6% | +0.0% |
| ROICReturn on invested capital | -2.2% | +6.9% |
| ROCEReturn on capital employed | -2.8% | +9.3% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | 5.40x | 0.32x |
| Net DebtTotal debt minus cash | $349M | $83M |
| Cash & Equiv.Liquid assets | $1M | $15M |
| Total DebtShort + long-term debt | $350M | $98M |
| Interest CoverageEBIT ÷ Interest expense | 0.17x | 4.77x |
REFI leads this category, winning 8 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
REFI leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in REFI five years ago would be worth $12,674 today (with dividends reinvested), compared to $1,153 for NYC. Over the past 12 months, REFI leads with a -6.8% total return vs NYC's -31.0%. The 3-year compound annual growth rate (CAGR) favors REFI at 8.6% vs NYC's -2.7% — a key indicator of consistent wealth creation.
| Metric | NYCAmerican Strategi… | REFIChicago Atlantic … |
|---|---|---|
| YTD ReturnYear-to-date | -8.0% | +1.4% |
| 1-Year ReturnPast 12 months | -31.0% | -6.8% |
| 3-Year ReturnCumulative with dividends | -8.0% | +28.2% |
| 5-Year ReturnCumulative with dividends | -88.5% | +26.7% |
| 10-Year ReturnCumulative with dividends | -93.9% | +26.7% |
| CAGR (3Y)Annualised 3-year return | -2.7% | +8.6% |
REFI leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — NYC and REFI each lead in 1 of 2 comparable metrics.
Risk & Volatility
NYC is the less volatile stock with a -0.25 beta — it tends to amplify market swings less than REFI's 0.70 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. REFI currently trades 78.7% from its 52-week high vs NYC's 48.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NYCAmerican Strategi… | REFIChicago Atlantic … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | -0.25x | 0.70x |
| 52-Week HighHighest price in past year | $16.30 | $15.20 |
| 52-Week LowLowest price in past year | $7.03 | $10.74 |
| % of 52W HighCurrent price vs 52-week peak | +48.5% | +78.7% |
| RSI (14)Momentum oscillator 0–100 | 46.6 | 43.1 |
| Avg Volume (50D)Average daily shares traded | 2K | 171K |
Evenly matched — NYC and REFI each lead in 1 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
REFI is the only dividend payer here at 17.10% yield — a key consideration for income-focused portfolios.
| Metric | NYCAmerican Strategi… | REFIChicago Atlantic … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $17.00 |
| # AnalystsCovering analysts | — | 6 |
| Dividend YieldAnnual dividend ÷ price | — | +17.1% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | — | $2.05 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
REFI leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). NYC leads in 1 (Valuation Metrics). 1 tied.
Best OverallChicago Atlantic Real Estat… (REFI)Leads 3 of 6 categories
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NYC vs REFI: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is NYC or REFI a better buy right now?
For growth investors, Chicago Atlantic Real Estate Finance, Inc.
(REFI) is the stronger pick with 15. 2% revenue growth year-over-year, versus -29. 7% for American Strategic Investment Co. (NYC). Chicago Atlantic Real Estate Finance, Inc. (REFI) offers the better valuation at 7. 1x trailing P/E (6. 5x forward), making it the more compelling value choice. Analysts rate Chicago Atlantic Real Estate Finance, Inc. (REFI) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — NYC or REFI?
Over the past 5 years, Chicago Atlantic Real Estate Finance, Inc.
(REFI) delivered a total return of +26. 7%, compared to -88. 5% for American Strategic Investment Co. (NYC). Over 10 years, the gap is even starker: REFI returned +26. 7% versus NYC's -93. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — NYC or REFI?
By beta (market sensitivity over 5 years), American Strategic Investment Co.
(NYC) is the lower-risk stock at -0. 25β versus Chicago Atlantic Real Estate Finance, Inc. 's 0. 70β — meaning REFI is approximately -383% more volatile than NYC relative to the S&P 500. On balance sheet safety, Chicago Atlantic Real Estate Finance, Inc. (REFI) carries a lower debt/equity ratio of 32% versus 5% for American Strategic Investment Co. — giving it more financial flexibility in a downturn.
04Which is growing faster — NYC or REFI?
By revenue growth (latest reported year), Chicago Atlantic Real Estate Finance, Inc.
(REFI) is pulling ahead at 15. 2% versus -29. 7% for American Strategic Investment Co. (NYC). On earnings-per-share growth, the picture is similar: American Strategic Investment Co. grew EPS 85. 3% year-over-year, compared to -10. 6% for Chicago Atlantic Real Estate Finance, Inc.. Over a 3-year CAGR, REFI leads at 8. 9% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — NYC or REFI?
Chicago Atlantic Real Estate Finance, Inc.
(REFI) is the more profitable company, earning 57. 1% net margin versus -49. 0% for American Strategic Investment Co. — meaning it keeps 57. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: REFI leads at 57. 1% versus -29. 8% for NYC. At the gross margin level — before operating expenses — REFI leads at 86. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — NYC or REFI?
In this comparison, REFI (17.
1% yield) pays a dividend. NYC does not pay a meaningful dividend and should not be held primarily for income.
07Is NYC or REFI better for a retirement portfolio?
For long-horizon retirement investors, American Strategic Investment Co.
(NYC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0. 25)). Both have compounded well over 10 years (NYC: -93. 9%, REFI: +26. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between NYC and REFI?
Both stocks operate in the Real Estate sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: NYC is a small-cap quality compounder stock; REFI is a small-cap high-growth stock. REFI pays a dividend while NYC does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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